Browsing by Author "Meseret Aklilu"

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    Exploring Key Determinants of Financial Technology Adoption Under the National Bank of Ethiopia
    (AAU, 2025-06-23) Meseret Aklilu; Zelalem G/ Tsadik (PhD)
    This research employs a quantitative methodological approach to examine the key factors influencing the adoption of NBE-endorsed financial technology (FT) in Ethiopia. The study targets 107 officials working at the Addis Ababa branch of the National Bank of Ethiopia (NBE), utilizing structured questionnaires to gather primary data. The collected data were analyzed using statistical tools such as descriptive statistics, correlation analysis, and multiple regression analysis, all conducted with SPSS version 26. The findings reveal that several factors—namely ease of use, infrastructure quality, security measures, and user trust have a significant and positive effect on FT adoption rates among financial sector stakeholders. The regression analysis indicates a strong model with a correlation coefficient of 0.825 and an R-squared value of 0.681, suggesting that approximately 68.1% of the variance in FT adoption can be explained by these variables. The study emphasizes the importance of enhancing technological infrastructure, ensuring security, and building user trust to accelerate adoption, especially in rural and underserved areas. The results provide valuable insights for policymakers, financial institutions, and technology providers aiming to foster financial inclusion and digital transformation within Ethiopia’s banking and financial sectors. Recommendations include targeted investments in infrastructure, security protocols, and awareness campaigns to promote widespread acceptance and usage of financial technology solutions. Future research could expand the sample size and incorporate longitudinal data to better understand trends over time.